Industry Funding
Business Funding for Roofing & Restoration Contractors
Storm season creates massive demand, and a capital squeeze. Materials and labor come before insurance checks arrive. Commera keeps your jobs moving.
Soft credit pull · First offers within 24 hours · No fees to apply
By Filip Kozina · Co-Founder, Commera Funding
The real problem
Why businesses in this industry partner with Commera
Bank financing moves on bank timelines. Your business doesn't.
- 01
Materials and Labor Before Insurance Pays
In insurance-driven restoration work, you pay for materials and subs 30-60 days before the carrier releases the final check. Receivables financing advances against those carrier invoices, and a line of credit smooths a heavy storm season that would otherwise leave you cash-poor despite a full pipeline.
- 02
Storm Season Creates Lumpy Revenue
A hail storm in April can generate 3 months of backlog, but revenue recognition lags 60-90 days behind production. A line of credit or revenue-based funding keeps cash reserves intact until the checks arrive.
- 03
Subcontractor and Crew Costs Are Immediate
You can't tell your crews to wait 90 days to be paid. Subcontractor invoices are due on completion. Receivables financing on your open jobs, or revenue-based funding, provides the working capital to meet those obligations on time.
- 04
Expanding Into a New Market Takes Capital
Mobilizing into a storm-affected market requires vehicles, equipment, and crew support, all upfront, before a single check is signed.
What you can fund
What businesses fund with Commera
Common uses for businesses in your industry.
Materials Across Multiple Active Jobs
Keep multiple roofing or restoration jobs moving simultaneously without waiting for one to close.
Subcontractor Float
Pay your crews and subs on time even when insurance carriers are slow to release funds.
Equipment for a New Market
Finance or lease trailers, ladders, tools, and crew vehicles needed to mobilize into a storm-affected area.
Supplement Cycle Overhead
Cover overhead during a long reinspection or supplement cycle while the job is still active.
Lead Generation in Storm Areas
Direct mail, door-knocking teams, or yard sign campaigns before competitors move in.
Typical Funding Range
$20K-$500K
How to Qualify
Restoration and roofing contractors qualify based on bank deposits from completed jobs. We match the structure to the work, receivables financing against slow insurance checks, equipment financing for trucks and trailers, a line of credit for materials, or revenue-based funding for speed. Storm-season revenue spikes are understood, we evaluate trailing 3-month averages and account for seasonal surges.
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Every structure we can place
Two businesses in the same industry rarely need the same product. An advisor prices these against each other for your file rather than pushing whichever one funds fastest.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
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